Scheduled ACH Payments
North One | september 2025 | Product Design
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OVerview
Updated North One's ACH payment rails by enabling business owners to automate one-time and recurring payments to increase transaction volume.
Role
Product Design Lead
Team
Jacob Lang (Design)
Sarah Luke (Product)
Tanisha Aberdeen (Dev lead)
Sarah Luke (Product)
Tanisha Aberdeen (Dev lead)
Timeline
2 months
Payment configuration toggle
Scheduled payment summary
Sidebar of an active scheduled payment
Problem
Business owners could only initiate payments at the time of transaction — there was no way to plan or automate future payments.
Data showed small business owners were initiating the same payments around the same time each month, indicating latent demand for scheduling functionality. Without it, every payment required manual intervention — creating unnecessary friction for predictable, recurring expenses.
Scheduled transactions also aligned directly with North One's 2025 initiative to increase money movement and interchange across the platform. Repeating payments were the clearest path to driving transaction volume without requiring ongoing user action.
Our objective:
Add scheduling functionality into North One's ACH payment rails to reduce friction for recurring payments and increase overall transaction volume.
Existing experience
Business owners initiated payments around the same time every month
The existing transaction flows did not have scheduling functionality
aPPROACH
The feature was table stakes; the design challenge was edge case coverage, not validation.
Behavioral data confirmed demand. The team planned to stagger the rollout by payment rail, prioritizing ACH as the highest volume and most feasible starting point due to complexity.
The challenge wasn't in the core scheduling flow — it was in accounting for every state a scheduled payment could enter: NSF errors, external payment failures, indefinite versus fixed recurring payments, and cancellation handling across multiple payment types. Each required close collaboration with engineering to ensure the UX was seamless and accurately represented the backend behavior.
Components were employed to ensure consistency across all edge cases
Solution
Scheduling was integrated into the ACH payment rails.
The scheduling UI was built around a smart toggle and dropdown system that accommodated one-time, indefinite, and fixed-count recurring payments within the same flow. The summary page was redesigned into a flexible layout that worked consistently across scheduled and non-scheduled transactions — no separate state needed.
One scheduling configuration handled every payment variation.
The scheduling UI accommodated one-time and recurring payments within the same flow — indefinite and fixed-count payments included without requiring separate flows for each variation.
Payment summaries were rebuilt to work with scheduled and non-scheduled payments.
Rather than building a separate summary state for scheduled payments, the design extended the existing pattern to work consistently across all payment methods — consolidating all payment details in a single flexible layout.
Before
Users were confused by the copy and noted that transfer frequency wasn’t valuable
After
Flexible card that would accommodate both scheduled and non-scheduled payments
Added visibility and control into active and completed scheduled payments.
A dedicated tab under activity surfaced all future scheduled payments alongside transaction history and progress toward recurring payment completions. Small business owners could cancel active payments directly from this view — editing was scoped for a future iteration.
Impact
ACH transaction volume increased following launch.
Scheduled transactions shipped for ACH transfers, enabling small business owners to automate one-time and recurring payments for the first time. Positive customer feedback was received across support channels.
8.5%
Increase in ACH transaction volume
More work
© Jacob Lang 2026. Made with 🧀 & ❤️ in Pittsburgh PA.
